Debit Cards

Access your accounts 24/7 with your WCCU Debit Mastercard®.

  • Shop online or in-person
  • Access cash at ATMs everywhere
  • Manage your card 24/7
Shop online or in-person
Access cash at ATMs everywhere
Manage your card 24/7

A card that's everything you need it to be

In this high-tech age, a debit card might seem like no big deal. Think again. Just like a smartphone, it's sleek, fast and versatile. Use it to shop online, in town or worldwide. Grab cash at countless ATMs in the U.S. and abroad. Generate detailed spending records that can help you fine-tune your budget. And do it all without paying a monthly bill or running up big-time interest charges.

  • Your WCCU Debit Mastercard® can be instantly issued or replaced at any of our four branches as soon as you open your Checking Account.
  • Use your WCCU Debit card anywhere Mastercard is accepted; funds are deducted directly from your Checking Account
  • All your debit card purchases are recorded and can be reviewed on your eBanking page.
  • The card can be used at participating ATMs worldwide and wherever you see the NYCE PIN network logo.

Planning to travel? For your security, your debit card may be blocked in certain destinations. Call us at 401.596.7000 before you travel for the most updated information.

Has your card gone missing? To report a lost or stolen debit card, please call us immediately at 401.596.7000.

Quickly protect your money and lock (then unlock) your debit card via Online Banking.

  • From your dashboard, click the "View My Accounts" tab.
  • Select your Checking Account from the left hand column.
  • Click on "Details & Settings."
  • Click the down arrow/triangle next to the listed Debit Card.
  • Use the toggle switch to update as needed.

FAQs

Although the Westerly Community Credit Union Debit Mastercard® carries the familiar Mastercard® logo, it is NOT a credit card! Instead, the Debit Mastercard® is a debit card. The amount of each purchase is withdrawn directly from your Checking Account.
You can make purchases at restaurants, retail stores, supermarkets and gas stations - anywhere Mastercard® is accepted. In fact, the card can be used at over 12 million locations! In addition, because the Debit Mastercard® is also an ATM card, it can be used to access your accounts at Westerly Community Credit Union ATMs and NYCE® and CIRRUS® network ATMs.
When purchasing an item or service, you use your Debit Mastercard® just like a credit card. The amount of each purchase will be withdrawn directly from your Checking Account. When used at an ATM, the Debit Mastercard® acts just like a traditional ATM card.
Purchases made with the Debit Mastercard® will be withdrawn directly from your Westerly Community Credit Union Checking Account. At ATMs, you will be able to access both Checking and Savings Accounts.
WCCU's Debit Mastercard® is all about convenience. Because it works like a credit card, there’s no more writing checks or presenting additional identification when purchasing goods or services. But, because it isn’t a credit card, there are no finance charges, and no credit card bills at the end of the month!
Receipts from each debit card purchase and point-of-sale (POS) transaction should be recorded in your check register. All transactions will be listed on your monthly Checking Account statement and can be reviewed using eBanking or Telephone Banking at 1.800.320.1441.
The Westerly Community Credit Union Debit Mastercard® gives you added convenience over our regular ATM Card, with no additional charges.
No problem! Purchases made with the Debit Mastercard® are just like those made with a credit card. Your rights relating to refunds and returned merchandise are the same as when you pay with cash or by check. The refund and return policies of the individual merchant govern these transactions, and you must resolve issues of this type directly with the merchant. We do recommend that you save your receipt in case you need to return an item.
Certainly, as long as you both qualify. Simply complete an application for the additional card.
Please call us immediately at 401.596.7000 during regular business hours and 1.800.320.1441 after hours. You may also block your card by logging into eBanking. Once you have reported it lost or stolen we can either mail you a replacement, or you may stop in any of our 4 branch locations to instantly receive your new card. Please refer to our Electronic Fund Transfer Disclosure for more detailed information. If you suspect that your personal information may be exposed, please view our Reporting Identity Theft Checklist for steps you can take to protect your identity now and in the future.
Simply stop by any WCCU branch location during normal business hours. As a precaution, you should always be sure to keep the card in your wallet or in a protective case so that the magnetic strip does not get damaged.
Overdraft Privilege is automatically available when you open a Checking Account(s), but you must provide prior consent to extend your coverage to include ATM and everyday Debit card transactions. Sign up for extended coverage through eBanking, a printable opt-in authorization form or at any branch location.

Click here for more information about Overdraft Privilege for more information about Overdraft Privilege.
Contact us today. We will be happy to answer all your questions!

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond and Wakefield.

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